justmoneyJustMoney is a personal finance website and is a trusted voice within the personal finance sector. The website offers articles, money management tools and a wide range of financial products and services. 

They also have a bunch of finance calculators that are essential such as a tax calculator, home loan calculator, a currency converter and so much more.

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Taking out a personal loan is a significant financial commitment that requires careful consideration. It's important to assess your financial situation and consider alternatives before you apply, advises Sarah Nicholson, operations manager of JustMoney.co.za, a platform that helps South Africans make good money choices.

JustMoney offers tips for online security, ahead of World Password Day on Thursday 2 May. Passwords are the gatekeepers of your digital identity, allowing you to transact, interact, work, and conduct other vital activities.

Navigating an unexpected financial burden can be daunting, especially when it comes in the form of someone else’s debt.

The importance of leaving a financial legacy, even by those who may not consider themselves wealthy, should not be underestimated. While the word ‘legacy’ can conjure up a picture of a vast fortune and dynastic riches, the reality is that many ‘ordinary’ people can educate themselves about money and set long-term goals to grow their assets.

South Africans are grappling with unprecedented economic challenges and deteriorating household finances. Stress and anxiety due to money worries have emerged as a silent crisis affecting millions of individuals and families.


In a nation grappling with financial obstacles, South African women not only face a persistent gender pay gap, but also contend with a concerning phenomenon known as the “pink tax”. 

The announcement of another interest rate hike last month, to a 14-year high, has made it difficult for many South Africans to meet debt commitments such as student loans, vehicle finance and housing bonds.


The repayment of high-interest loans to unscrupulous moneylenders is a serious problem for many South Africans. Some borrowers even take on additional credit to pay off previous loans, and subsequently become trapped in a downward spiral of debt.

The recent increase in interest rates to a 14-year high will impact our pockets in many ways, from home loans and credit card debt to savings and investments.

There are many advantages to having a store card, but you need financial discipline to use it responsibly. 

If you have a blocked or “frozen” bank account, you can’t use your account to transact – a source of great frustration if you want to buy items or pay bills. You won’t be able to withdraw any money, and scheduled payments won’t be processed.

Welcoming a baby into your life can be a wonderful and joyous experience. The new arrival can even bring a deeper sense of purpose – and, inevitably, a lot of extra bills.

South Africans are largely considered to be resilient – we’ve weathered a pandemic, political instability, rampant unemployment, water issues and load shedding.

At the start of 2023, with price increases on the horizon and interest rates on the rise, many South Africans are looking for ways to increase their income. Given that most people already juggle stressful jobs with household chores and childcare responsibilities, the notion of “passive income” has strong appeal.

January is one of the most stressful months of the year from a financial perspective. There are roughly six weeks between an early December salary payment and January month end. Within that period, many people spend more on gifts, travel, entertainment and ride-hailing than at any other time of the year – and frequently pay with credit.

December is when companies traditionally pay bonuses, and many employees are looking forward to – and banking on – these additional funds. Most staff have gone beyond the call of duty in 2022, dealing with stressful work situations, while facing rising personal costs ranging from transport to food and electricity.

Most families are stretching their budgets in order to make the festive season memorable for their children, within the constraints of soaring living costs and concerns about what the New Year may bring. Shiny toys, which can soon break or be outgrown, are often the gift of choice; and certainly, as stocking fillers, they can add a lot of colour and fun.

The National Stokvel Association of South Africa estimates that there are some 810,000 stokvel groups in the country, comprising approximately 11.5 million members, who collectively save around R50 billion a year.





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